Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and IPA LLC, the operator of Dispute2Go ("Company," "we," "us," or "our"). By accessing or using the Dispute2Go platform and related services (the "Service"), you agree to be bound by these Terms.

If you do not agree to these Terms, you must not access or use the Service. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

Dispute2Go is a software-as-a-service (SaaS) platform that provides tools to assist users in managing consumer credit dispute processes, including credit report parsing, AI-assisted dispute letter generation, dispute tracking, and compliance guidance.

Dispute2Go is a software platform, not a law firm. The Service does not provide legal advice. AMELIA, our AI assistant, generates dispute letters based on federal statutes but does not constitute the practice of law and does not create an attorney-client relationship. Nothing in the Service should be construed as legal advice. Users with specific legal questions should consult a licensed attorney.

The Service is designed to support compliance with the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Credit Repair Organizations Act (CROA). Users are responsible for ensuring their own use of the platform complies with applicable law.

To use the Service, you must create an account by providing accurate and complete information. You agree to maintain the accuracy of your account information and to update it as necessary.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately at legal@dispute2go.com if you suspect unauthorized access to your account.

Accounts may not be shared between individuals. Each user must have their own account. If you are a credit repair specialist using the platform for multiple clients, client records may be managed within a single specialist account where the platform design supports that use case.

You agree to use the Service only for lawful purposes and in accordance with these Terms. Prohibited uses include, but are not limited to:

Illegal Activity. Using the Service to facilitate fraud, identity theft, or any other illegal activity, including submitting disputes for accounts you know to be accurately reported.

Unauthorized Resale. Reselling, sublicensing, or otherwise commercializing access to the Service without a written reseller agreement with the Company.

Scraping and Automated Access. Using bots, scrapers, or automated tools to access the Service in ways not expressly permitted by these Terms or the platform's API documentation.

Misrepresentation. Making false statements about your identity, qualifications, or credentials in connection with use of the Service.

Interference. Attempting to disrupt, compromise, or interfere with the security or operation of the Service or its infrastructure.

Certain features of the Service are available only to subscribers on paid plans. Subscription fees are billed in advance on a monthly or annual basis through Stripe, Inc. By subscribing, you authorize us to charge your payment method on a recurring basis.

Refund Policy. We offer a 7-day refund window from the date of initial subscription purchase. Refund requests received within 7 days of the initial charge will be honored for the unused portion of the subscription. After 7 days, subscription fees are non-refundable. Annual plan payments are non-refundable after the initial 7-day window.

Price Changes. We may modify subscription pricing with 30 days' notice. Continued use of the Service after a price change takes effect constitutes acceptance of the new pricing.

Cancellation. You may cancel your subscription at any time through your account settings or by contacting support. Cancellation takes effect at the end of your current billing period, and you will retain access to paid features through that date.

The Service, including all software, design, text, graphics, logos, and AI models, is owned by IPA LLC or its licensors and is protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Service for its intended purpose.

Dispute letters and other content generated by AMELIA using your credit report data are generated on your behalf for your personal use. You own the dispute letters generated for your files. You may not reproduce, distribute, or create derivative works from the platform's underlying systems, templates, or methodology.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, or free of viruses or other harmful components. We do not guarantee any specific outcome from the use of dispute letters or tools generated by the Service. Credit bureau decisions are made independently by those bureaus, and we cannot guarantee deletions, score improvements, or any particular result.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IPA LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

If you use the Service to provide credit repair services to consumers on a commercial basis, you are subject to the Credit Repair Organizations Act (15 U.S.C. §1679 et seq.). The Service provides tools to support CROA compliance, but compliance obligations rest with you as the service provider.

Specifically, you are responsible for: (1) providing consumers with the required CROA consumer disclosure (a copy is available at dispute2go.com/croa-disclosure), (2) providing written contracts that meet §1679d requirements before any services are performed, (3) honoring the 3-business-day right of cancellation, and (4) not collecting payment before services are fully performed as required by §1679b.

Dispute2Go provides tools and templates to support these requirements, but does not guarantee that your use of the Service will result in CROA compliance. You should consult a licensed attorney for guidance on your specific compliance obligations.

We may suspend or terminate your account at any time, with or without notice, for conduct that we believe violates these Terms, applicable law, or is otherwise harmful to users, the Company, or third parties.

Upon termination, your right to access the Service ceases immediately. Provisions of these Terms that by their nature should survive termination, including intellectual property rights, disclaimer of warranties, limitation of liability, and governing law, will survive.

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

Binding Arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration shall be conducted on an individual basis; class arbitration is not permitted. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

Notwithstanding the foregoing, either party may seek emergency injunctive relief in a court of competent jurisdiction to prevent irreparable harm pending the outcome of arbitration.

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms with a new effective date and, where appropriate, by email. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

For legal inquiries or questions about these Terms, contact us at:

IPA LLC / Dispute2Go
Email: legal@dispute2go.com

See also our Privacy Policy and CROA Disclosure.